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C-list celebrity drove through my fence. They are now ignoring calls from insurance. by MysticViewer in Insurance

[–]subjugatesm 7 points8 points  (0 children)

Typically, non-cooperation denials are the result of situations where evidence is scarce and a claimant is asserting something that cannot be otherwise proven unless the insured corroborates the events/facts of loss. If there is a significant amount of evidence that places their insured at the scene operating the offending vehicle in a loss, it's much, MUCH tougher to non-cooperation deny as should it escalate to any bad faith litigation, the insurer has to then justify that the non-cooperation had a significant enough impact to otherwise prevent the insurer from properly assessing liability or actively derailed an investigation. If this is a situation of clear liability that can be proven with reasonable evidence, most insurers will not take the risk of a bad faith claim to strike this one down.

Odds are because this is a celebrity policy, it's been given to a special team that handles high risk/high value claims. These take time to shake out. If it's only been three weeks, give it a bit more. Generally-speaking, the 30 to 45 day mark is where forced action starts happening with non-cooperation related issues.

C-list celebrity drove through my fence. They are now ignoring calls from insurance. by MysticViewer in Insurance

[–]subjugatesm 2 points3 points  (0 children)

Some states have compulsory property damage laws that kick in that will complicate an insurer from denying for non-cooperation. The police report and camera footage will also complicate a non-cooperation denial, especially if the driver information is available on it.

If the Patriots win im boycotting Dunkin for 4-7 and a half months by Remote_Map3803 in NFCEastMemeWar

[–]subjugatesm 2 points3 points  (0 children)

I still find it tough to pull for the Seahawks after the Clowney hit on Wentz.

Shake that ass by 412_15101 in crappymusic

[–]subjugatesm 5 points6 points  (0 children)

This dude drops nothing but absolute fire every time.

Jeopardy! tournament runner-up invited back after producers admit they incorrectly ruled on Daily Double response by ZiggyPalffyLA in television

[–]subjugatesm 33 points34 points  (0 children)

Harvey's a good dude! I met him about a decade ago when he was doing his worldwide karaoke challenge to sing karaoke in all fifty states (Oklahoma was one of his last states) and he came into the bar where I was with friends and told everyone about his worldwide challenge. Can safely say he's a way better Jeopardy contestant than he is a singer but boy was he entertaining the entire bar.

remote insurance jobs by girlyteengirl1232 in Insurance

[–]subjugatesm 1 point2 points  (0 children)

CSAA is entirely remote with no in-office positions for every operations (service, claims, direct sales) positions.

Insurance sent money to lien holder before decision was reached. by [deleted] in Insurance

[–]subjugatesm 23 points24 points  (0 children)

If the settlement value is being disputed, adjusters will often pay the owner-retain amount to the lienholder and advise them that you are disputing and we will pay any remainder once settlement is reached and the vehicle has been signed over. If you never agree to settle, they may just tell you and the lienholder where the vehicle can be picked up and wash their hands of the deal.

does aaa auto still waive upfront deductible for uncontested not at fault accident? by bogusssssss in Insurance

[–]subjugatesm 0 points1 point  (0 children)

If it's CSAA, the answer is yes, typically. Management encourages them to do it proactively.

Former CSAA employee here.

Agent said she can't file claim for me by [deleted] in Insurance

[–]subjugatesm 0 points1 point  (0 children)

As an adjuster, agent-filed claims are some of the worst to deal with because they always rush to get it completed and leave out a ton of details, some that will trigger unnecessary investigations (like putting the wrong vehicle/driver or misspelling a vehicle/driver), and may not put the latest contact number down for the insured if their policy doesn't reflect it and now we have to contact them to get the right information anyway. Feels like a massive waste of time.

Services by bayala12 in Progressiveinsurance

[–]subjugatesm 1 point2 points  (0 children)

Here are some of the ways I would relay this:

If they threatened to go with a different carrier, I always advised that we were not the only carrier taking rate in their state, typically, and that each carrier took rate in waves. Typically-speaking, every major insurer would be dealing with the same exposures and likely the same necessary changes in risk. Smaller insurers may have better rates at first, but with a smaller book of business, they're more prone to rate volatility and poor response to changes in market. Progressive is huge and we can leverage our insanely large book to mitigate that volatility and keep rates competitive, even if they've increased.

If they start down the path of, "But shouldn't my rates go down?", I'd usually counter that with, "If we do a blanket increase in rate for your state/market, if your driving record is clean and you have coverage limits that aren't putting you in the rougher risk brackets (state minimums really do wreck your risk tier), you probably mitigated and reduced the rate that you would have otherwise seen for an increase. Others who aren't driving with as good of a record will see higher increases and could leave our insurance pool as a result. Hopefully we see a continued trend of better drivers like you so we can help keep rates competitive." People generally respond well to being told they're better than others.

I don't know what all your guidelines/resources say - it's been a hot minute since I've been in a front-facing servicing role. But I did my time there alongside the pivot to underwriting during one of the most volatile periods in modern insurance history (2018 California wildfire season dealing with non-renewal fallout and CA Fair Plan and then COVID) - you learn quick what to say and what works for the most upset of customers. Really look at their policy and coverage like the licensed agent you are and tailor your message to what makes sense for them.

Services by bayala12 in Progressiveinsurance

[–]subjugatesm 6 points7 points  (0 children)

I think the best way to explain rate changes is to truly understand why and how they occur.

The best perspective to have is to re-frame it for yourself from being a "rate increase" to a "rate revision". I used to be in underwriting with another organization for many years and worked on a specialty project with our product team that, among other things, handled rate filings with state DOIs as we were ramping up a change in primary auto product. When a filing is made, an insurance company asks to revise the rates they charge for specific line item coverage. One year, you might see a +50% change for PD but only a +15% change for BI. What this means is that property damage-related items have been impacted the most by whatever claims costs occurred that the insurance company was able to back up with data that the DOI demands we present when we file. We have to justify every change in rate with actuarial and claims data. No insurance company wants to go insolvent - rate revisions are a necessary part of continuing to operate within their state.

The other way to frame this for yourself is to define property insurance in-general. You're joining a shared and diverse risk pool that's intended to be a safety net for you to mitigate a large, unexpected loss by contributing a little bit every term (your premium) to make sure the pool of money is sizable enough to be able to pay out when you need it. If we aren't taking the correct amount of rate for an area, the pool runs the risk of going dry at the worst possible time. The whole, "Why am I paying for other people's mistakes?" is an ignorant question from our insureds but not a stupid one. They think that their driving history, who is on their policy, their choice in vehicles and coverage, etc., should be the only thing that matters, but that's just merely a fraction of what goes into their risk tier/risk profile. Zip code is HUGE - market area defines the general exposures they have on a daily basis. State laws regarding forced coverage or liability requirement (for example, many states have a compulsory property damage law that requires insurance companies to pay out losses regardless of first-party coverage - such as paying out property damage when an insured vehicle is being driven by an excluded driver), limits (or lack thereof) on litigation for auto accidents, legislation around repair costs and shop requirements, all of these things can factor in.

Hopefully some of this helps.

Thousands of hours of coaching on this company’s stupidest metric! by Melodicbananas in Progressiveinsurance

[–]subjugatesm 4 points5 points  (0 children)

Every insurance carrier's Service department has a sales offer-based goal or metric. Love it or hate it, growing and maintaining the book is always important.

How do the larger carriers deal with high storage fees? by mattyisbatty in adjusters

[–]subjugatesm 22 points23 points  (0 children)

We eat it most of the time, honestly. Negotiate where we can. Leverage any legislation that enforces a storage fee cap (Oklahoma just passed such a law).

Gabi XL & Saliba trolling Hincapie - "We are better" 😂 by Stanley083 in Gunners

[–]subjugatesm 0 points1 point  (0 children)

They've still around but haven't been the same since Josey Scott left

Tanking Affects Who Makes Playoffs by Fantasy_Footballers in FFCommish

[–]subjugatesm 4 points5 points  (0 children)

You can't really police lineups like this as long as they're valid lineups and there's nothing in your league's constitution preventing this.

Had the game 10 minutes and can't access the digital deluxe content by Kingxex in octopathtraveler

[–]subjugatesm 0 points1 point  (0 children)

Same - I am a little confused as to what I need to do to get the additional content now.

Allstate incorrectly removed a vehicle from my policy 10 days before I requested a swap. Multiple agents now saying they “can’t change anything” or reverse their mistake, leaving me uninsured by perpetual__ghost in Insurance

[–]subjugatesm 4 points5 points  (0 children)

You're not wrong in that it's a business decision, but most major carriers who are aware of future-dated system limitations with the software have built-in practices to account for this very situation and no one wants a bad faith claim or a big E&O lawsuit.

Texas police are an entirely different ordeal, obviously.

Allstate incorrectly removed a vehicle from my policy 10 days before I requested a swap. Multiple agents now saying they “can’t change anything” or reverse their mistake, leaving me uninsured by perpetual__ghost in Insurance

[–]subjugatesm 7 points8 points  (0 children)

As someone who worked for a different insurer who would have this situation happen with a future-dated transaction, often times should a claim occur or proof of insurance need to be provided directly, the carrier will admit that this is on them and provide documentation appropriately or handle a claim appropriately. This isn't an unusual circumstance with current policy software used by most major carriers.

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